hit-and-run car insurance claim – A Guide to Filing a Car Insurance Claim

hit-and-run car insurance claim: Imagine you were cruising down the road, minding your own business, when suddenly – WHAM! Another car clips yours and speeds off. You’ve just been the victim of a hit-and-run accident. The adrenaline rush fades fast, replaced by a sinking feeling – not just because your car is damaged, but because you don’t know who caused it. Now what?

Filing a car insurance claim after a hit-and-run can feel overwhelming. But fear not! This guide will walk you through the steps, from the immediate aftermath of the accident to navigating the claims process with your insurance company.


The Aftermath of a Hit-and-Run

The first priority after any accident is your safety and the safety of others. Here’s what to do:

  • Stay Calm and Assess the Situation: Take a deep breath and check yourself and any passengers for injuries. If anyone is hurt, call 911 immediately.

  • Check for Injuries and Call for Help (if needed): Even if you feel fine initially, adrenaline can mask injuries. Don’t hesitate to seek medical attention if you experience any pain or discomfort later.

  • Secure the Scene (if safe to do so): If you can safely pull over to the side of the road, turn on your hazard lights. This will alert other drivers and prevent further accidents.

Reporting the Hit-and-Run

Next, it’s crucial to document the accident officially.

  • Contact the Police Immediately: Report the hit-and-run to the police as soon as possible. They will investigate the scene, create a police report, and collect any available evidence. The police report is a key document for your insurance claim.

  • Gather Evidence at the Scene (photos, witness information): While waiting for the police, use your phone to take pictures of the damage to your car, the surrounding area, and any debris left behind by the hit-and-run driver. If there were any witnesses, try to get their contact information. Their statements can be invaluable in supporting your claim.

Understanding Your Coverage

Understanding your auto insurance policy is crucial before filing a claim. Here’s a breakdown of the two most relevant coverages:

  • Collision Coverage: This covers damage to your car, regardless of who is at fault. It’s like a safety net that catches you in situations like hit-and-runs. However, you’ll typically have to pay a deductible before your insurance kicks in.

  • Uninsured Motorist Coverage: This coverage protects you if you’re in an accident with a driver who doesn’t have insurance or whose insurance doesn’t cover the full cost of the damages. Some states require uninsured motorist coverage, while others make it optional.

Does Your Policy Cover Hit-and-Run Events? Not all insurance policies cover hit-and-run accidents. Check your policy documents or contact your insurance company to confirm if your coverage applies in this situation.

Filing the Claim with Your Insurance Company

Now that you have the necessary documentation, it’s time to file a claim with your insurance company.

  • Contact Your Insurance Company Promptly:


  • Contact Your Insurance Company Promptly: Don’t delay! Most insurance companies have a time limit for filing claims after an accident. The sooner you report the hit-and-run, the smoother the claims process will be. You can usually contact your insurance company by phone, online, or through their mobile app.

  • Prepare Required Documentation: Gather all the documents you collected, including the police report, pictures of the damage, and any witness information. Having everything readily available will expedite the process.

  • Be Transparent and Accurate in Your Description of Events: When speaking with your insurance representative, be clear and concise about the events that transpired. Stick to the facts – describe what happened, where it happened, and when it happened. Avoid speculation or assumptions about the hit-and-run driver.

The Claims Process

Once you’ve filed your claim, your insurance company will take over:

  • Initial Assessment by Your Insurance Company: An adjuster will be assigned to your case. They’ll review your claim details, police report, and photos to determine the extent of the damage.

  • Repair Estimates and Choosing a Body Shop: The adjuster may recommend getting repair estimates from approved body shops. You have the right to choose a reputable repair shop that you trust.

  • Settlement and Deductible Payment: Based on the adjuster’s assessment and chosen repair plan, your insurance company will determine the settlement amount. Remember, you’ll be responsible for paying your deductible before repairs begin.

Additional Tips and Considerations

Here are some additional pointers to keep in mind throughout the process:

  • Documenting Everything Throughout the Process: Maintain a paper trail by keeping copies of all communication with your insurance company, police reports, repair estimates, and receipts.

  • Keeping Receipts for Repairs: Once your car is repaired, hold onto the repair receipts. You may need them for future reference or if there are any discrepancies with the settlement amount.

  • Understanding Potential Delays or Disputes: The claims process can take time, especially if the police investigation is ongoing. If you encounter any delays or disputes with your insurance company, be persistent and ask for clarification.

What if the Hit-and-Run Driver is Found? If the police manage to locate the hit-and-run driver, your insurance company will typically handle recouping their costs from the at-fault driver’s insurance. This could potentially result in a reimbursement of your deductible.


Being involved in a hit-and-run accident is stressful, but knowing how to navigate the insurance claim process can ease some of the burden. By following the steps outlined above, you can ensure your claim is handled fairly and efficiently. Remember, the key is to stay calm, document everything, and communicate openly with your insurance company.


1. How much does it cost to file a hit-and-run claim?

There’s no direct cost to file a hit-and-run claim with your insurance company. However, you might be responsible for your deductible, depending on your policy coverage.

2. What if I don’t have collision coverage?

Without collision coverage, your insurance company likely won’t cover the damage to your car. However, if you have uninsured motorist coverage and the police can’t locate the at-fault driver, this coverage might help pay for repairs.

3. Can I file a hit-and-run claim if the damage is minor?

Yes, you can still file a claim regardless of the damage severity. It’s important to document everything, even for minor repairs, to avoid any future complications.

4. What should I do if I disagree with the settlement amount offered by my insurance company?

If you feel the settlement offer is unfair, don’t hesitate to negotiate with your insurance company. You can provide additional documentation or repair estimates to support your request for a higher payout.

5. How long does the claims process typically take?

The timeframe for a hit-and-run claim can vary depending on the complexity of the case and the police investigation. However, aim to be patient and stay in touch with your insurance company for updates.


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